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FACTORS ON NON-PERFORMING FINANCING OF SMES AT BPRS IN INDONESIA Choirul Anwar; Lili Puspita Sari; Hotman Hotman
FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Vol 8 No 1 (2025): FINANSIA : Jurnal Akuntansi dan Perbankan Syariah
Publisher : Fakultas Ekonomi Dan Bisnis Islam IAIN Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/finansia.v8i1.10137

Abstract

NPF in the largest Islamic banking occurs in BPRS institutions compared to BUS and UUS. The highest NPF in the financing category of BPRS comes from the SME category compared to non-SMEs. This research aims to identify the external and internal factors affecting the NPF of SMEs in BPRS. This study uses a quantitative approach with the ARDL method. The data used is quarterly secondary data from 2015-2023. In the short term, all variables have varying effects on the NPF of the SME category at lags 1 to 4. Furthermore, in the long term, inflation and ROA have a significant positive effect on the NPF of the SME category. Conversely, the exchange rate and FDR have a significant negative effect on the NPF of the SME category.
Globalisasi Ekonomi dan Tantangannya terhadap Ekonomi Politik Islam Bella Permata Sari; Devika Putriani; Diva Oktanadia; Rama Harfi Ferdinan; Sendy Setia Ardifta; Hotman Hotman
Jurnal Riset Rumpun Ilmu Sosial, Politik dan Humaniora Vol. 4 No. 3 (2025): JURRISH: Jurnal Riset Rumpun Ilmu Sosial, Politik dan Humaniora
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jurrish.v4i3.5672

Abstract

Economic globalization is a process that significantly impacts the structure and values within Islamic political economy. Market integration, trade liberalization, and cross-border capital flows have created an increasingly competitive and capitalistic global economic order. On one hand, globalization provides opportunities for developing countries, including Indonesia, to access new technologies, expand export markets, and increase foreign investment. However, on the other hand, globalization also poses serious challenges for Islamic political economy, particularly due to the dominance of capitalist principles that contradict the fundamental values of Islamic economics, such as justice ('adl), balance (tawazun), and the prohibition of riba and gharar. Additionally, internal challenges such as low community literacy, a lack of innovation in Sharia-compliant financial products, and insufficient policy support further hinder the development of the Islamic economy. This research employs a descriptive qualitative method based on literature studies to analyze the impact of globalization on Islamic political economy. The findings indicate that adaptive strategies, innovation enhancement, regulatory strengthening, and the improvement of literacy and research are necessary for Islamic political economy to play a strategic role in addressing the challenges of globalization. Thus, it is hoped that Islamic political economy can contribute to the realization of a more just and sustainable global economic order.
Politik Ekonomi Islam : Kajian dalam Perekonomian di Indonesia Selvia Enjelita; Vika Agustiyani; Yolanda Aprylia; Yuyun Kartika Sari; Hotman Hotman
Jurnal Riset Rumpun Ilmu Sosial, Politik dan Humaniora Vol. 4 No. 3 (2025): JURRISH: Jurnal Riset Rumpun Ilmu Sosial, Politik dan Humaniora
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jurrish.v4i3.5876

Abstract

This study explores the role and relevance of Islamic political economy within the context of Indonesia's economic system, particularly in addressing wealth distribution inequality and the fulfillment of basic societal needs. The study employs a qualitative approach with descriptive-analytical methods to examine the relationship between Islamic economic principles such as justice, balance, and social responsibility and national economic policies. The findings reveal a philosophical alignment between Islamic economic values and Indonesia’s foundational principles, especially Article 33 of the 1945 Constitution. However, the implementation of these principles remains limited, often confined to microeconomic aspects like Islamic financial institutions. Islamic political parties play a significant role in advocating for sharia-compliant economic policies but face challenges in reconciling Islamic values with a pluralistic democratic system. The study highlights the need for broader public education, strong political commitment, and digital innovation to fully realize the potential of Islamic economics in building a just, inclusive, and sustainable national economy.